Sentences with phrase «such debt before»

Not exact matches

How can U.S. labor compete with foreign labor when employees and their employers are obliged to pay such high mortgage debt for its housing, such high student debt for its education, such high medical insurance and Social Security (FICA withholding), such high credit - card debt — all this even before spending on goods and services?

Liabilities such as debt, underfunded pensions, and outstanding employee stock options are deducted from the DCF value, as they are senior claims on cash flows that must be satisfied before existing shareholders can be paid.

Read up on the topic more, and you'll find additional ways, such as paying off other debts before applying in order to have a lower debt - to - income ratio — or paying some «points» in order to lower your rate.

Why would I have to succumb to such a demeaning demand that I put in front of my house a big notice board (HIPC), that I was among the most indebted people of this world, before you forgive me of my debts.

You can also consult educational financing institutions, such as Cedar Education Lending on how to manage student loan debt effectively, before and after graduation.

Lenders use debt ratios such as the payment - to - income ratio (PTI) and the debt - to - income ratio (DTI) to help them analyze credit risk before making a loan.

However, debt collectors may not attempt to contact you at inconvenient times or places, such as before eight in the morning or after nine o'clock at night, unless you agree.

As such, you need to make sure that you are staying organized with your student loan debt even before you graduate college.

Providing advice on how to minimize education debt and the cost of that debt, such as «maximize scholarships and grants before using student loans», «exhausting federal loans before turning to private student loans» and «the need to shop around for federal and private student loans».

L. 105 — 244 substituted «stipend, unless» for «stipend, unless --» and struck out «(B)» before «excepting such debt» and subpar.

Such a long time before a literal and psychological payoff could sour some borrowers on debt elimination.

Consider looking into personal budgeting and time management to get started in debt consolidation before asking for help from such a firm.

Each secured debt, such as mortgages, home equity loans, car loans, boat loans, furniture loans, judgment creditors, tax liens etc., must be analyzed carefully before a bankruptcy case is filed.

Sign # 3: Personal Information Requests You should be very wary of a debt consolidator who requests to see your personal information, such as bank account numbers, social security numbers, etc., before providing you with a quote.

Keep in mind which of your debts will be paid off before your retirement, such as credit cards, a mortgage, consumer loans, and student loans.

There may be other costs as well, so be sure to ask for a full breakdown of all the costs involved before you decide to take out a debt consolidation loan with a lending institution, such as your bank.

With younger generations facing such retirement challenges as overwhelming student loan debt, threats to the future of Social Security, and longevity, young people should start saving before age 25, according to 64 % of the survey respondents.

After all, that figure can vary significantly depending on such difficult - to - pin down factors as how healthy you'll remain as you age, which can determine how much you'll spend on health care; whether you'll pay off your mortgage and other debt before or soon after you retire; whether you'll have an active retirement that involves spending considerable sums on travel and entertainment or live a more modest lifestyle closer to home, etc..

However, it is important to evaluate one's own personal financial situation before implementing any such debt relief tips.

Recently, Ontario has taken steps through the Collection and Debt Settlement Services Act to ban such companies from charging their fees «up - front» before they actually settle your debts.

Although child support, alimony, and federal income taxes are not eligible for elimination, a bankruptcy lawyer can help you deal with financial situations you can not control — such as large medical bills or being laid off — before you get overwhelmed with debt.

Also, keep in mind that you will have to earn the before tax income to pay off the CRA debt, not simply the amount of the debt itself, which is another reason you may want to settle with CRA through a debt repayment option such as a consumer proposal or bankruptcy.

Your Advisor should have already considered debt restructuring solutions such as remortgage before considering an IVA.

Develop a strategy to pay off high - interest debt, such as credit cards or car payments, before retirement.

Although some kinds of debt may be low - interest or tax - advantageous (such as your mortgage), you'll want to free yourself from the high - interest stuff before you begin to invest.

While you may be tempted to take advantage of such an offer, here are some things to consider before signing up so you don't end up with even more credit card debt than you already have.

You ought to be aware of credit counseling agencies and organizations that charge a high up - front or every month fee for signing up for credit counseling or a debt management plan, pressure you to make voluntary contributions or use another name for fees, send you free pamphlets contained with information about the services they provide without requiring you to provide personal financial information such as charge account numbers with balances, try to enroll you in a debt management plan without spending the time to review your current financial situation, offer to sign you up for a debt management plan without trying to help you with budgeting and money management skills, or require that you make payments into a debt management plan before your current creditors have accepted you into the program.

Although there could be some benefit to having a structured plan to pay off credit card debt and other bills, think long and hard before signing up for such a plan.

Before proceeding further, we should note that, since the financial crisis exploded into public consciousness, in September, with the exception of Treasury bonds and other debt explicitly guaranteed by the Treasury such as GNMAs, all sectors of the fixed - income markets have experienced gut - wrenching declines.

This is why it is important to rid yourself of as much unnecessary debt as possible, such as unsecured credit card debt, as possible before you apply for a mortgage loan to purchase a home.

If you had a business and owe certain debts related to that, such as employee wages, they will have to be paid in full before the bankruptcy can be discharged.

But Congress set that credit more than 38 years ago, long before the companies rose to such size and prominence, and its limit, $ 2.25 billion for each, has become a tiny fraction of the companies» overall debt.

Then a student approached him at a reception afterward and told him why he and his classmates are largely indifferent to employee benefits such as 401 (k) contributions: They have so much student loan debt to pay off, it will be years before most of them can even think about retirement savings.

Parents and other relatives helping with student loans, such as grandparents, should note that up to 15 % of Social Security benefits — and 100 % of tax refunds — can be withheld to pay off student loan debt (see Seniors: Before You Co-sign That Student Loan).

From the complaints received and the cases brought, the States have seen little evidence that debt settlement companies provide any other useful services such as credit counseling, debtor education, or getting interest rates reduced before settlement negotiations are initiated, which can take several months, or even years.

Bankruptcy can discharge most of your debts, stop foreclosure of your home, avert repossession of things such as your car, prevent your driver's license from being revoked for unpaid fines, prevent garnishment of wages, and stop most evictions if bankruptcy is filed before a court enters a judgment from possession.

If you have other high - interest debt — such as credit cards or personal loans — I would pay those off first before prepaying my mortgage,» Rose says.

An appropriate question to ask before all the media angst and gnashing of teeth is this: Were it any other sovereign State being evaluated, with a similar history of recent financial turmoil, current economic sluggishness and external debt, how should the ratings agencies rate such a State?

There is some debate as to whether or not you should pay off high interest consumer debt such as credit card balances before you establish an emergency fund.

Many intangible factors should also be noted into the valuation in the case of Berkshire, such as its conservative accounting, its cash position / reputation / lender of last resort before Fed (therefore ability to make certain unique investments in preferred / debt, or easy financing for targeted companies such as Burlington), its portfolio of excellent businesses that each commands a huge premium if they were to be sold in the market, etc..

Before you get engaged — and then throughout the marriage — talk to each other often about key issues such as dealing with debt, saving versus spending, as well as how you're going to afford kids if they're part of the plan.

Credit card debt is often the most expensive type of debt, so it makes sense to pay it down before tackling «good debts» such as your home mortgage or student loans.

Information about your first mortgage, such as your monthly mortgage statement Information about any second mortgage or home equity line of credit on the house Account balances and minimum monthly payments due on all of your credit cards Account balances and monthly payments on all your other debts such as student loans and car loans Your most recent income tax return Information about your savings and other assets Information about the monthly gross (before tax) income of your household, including recent pay stubs if you receive them or documentation of income you receive from other sources

In that case, when you meet with another honest man in similar distress, you must pay me by lending this sum to him; enjoining him to discharge the debt by a like operation, when he shall be able and shall meet with such another opportunity, I hope it may thus go through many hands before it meets with a knave that will stop its progress.

The court sometimes orders that some debts, such as debts from court judgments in personal injury cases, be paid in full before a discharge will be granted.

«Bagle - DO worm spreads in emails featuring subject lines such as «Pay your debts before we come to you,» «Call to -LSB-...]

However, before you incur the expense of such formal proceedings, it may be that instructing solicitors to formally pursue the debt could result in recovery.

Before you take drastic measures, such as draining retirement savings accounts, liquidating assets, or using a «debt stopper» or consolidation agency, discuss your options with an experienced attorney at our firm.

(b) before or after the action is commenced, the co-operative goes into liquidation, is ordered to be wound up or makes an authorized assignment under the Bankruptcy and Insolvency Act (Canada), or a receiving order under that Act is made against it, and, in any such case, the claim for the debt has been proved.

(b) before or after the action is commenced, the corporation goes into liquidation, is ordered to be wound up or makes an authorized assignment under the Bankruptcy and Insolvency Act (Canada), or a receiving order under that Act is made against it, and, in any such case, the claim for the debt has been proved.